10/04/2010 03:14 pm ET | Updated May 25, 2011

A Visit To A Loan Modification Marathon

I walked through the Los Angeles Convention Center on Saturday, past the marquee blaring the finals of the World Cyber Games, known as the Olympics of video games. I came across thousands of people queued up, some sitting in portable chairs, some carrying food from the commissary, some drifting to sleep. None of them were in line to watch gamers play Counterstrike. They were camped out to get a chance to talk to a customer service representative at their bank, hoping to get a modification on their mortgage. And for most of them, this was their last hope.

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